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in 2011. hedidi in tennessee. caller: hi. how are you? host: fine thanks. caller: thank you for taking my call. i have almost completed my doctorate degree are. i am a college professor. my student loan debt is three times my annual income. i husband and i cannot afford to pay our student loan payments monthly payments because it is about $11,000 per month. can you talk about options for repayment? guest: the government ruled out -- it goes further and lowering monthly payments. if you qualify for it, it moves up the date for which your loans are forgiven. it can be 20 years instead of 25. some can go further than the income-based repayment. host: here is a tweet. i only can read my bank statement with a piece of mind. next caller. caller: i'm a student. i was a student. i finished my doctorate. i had student loans that were about $57,000. four years later, i got it down to $41,000. this is the only student loan debt i had. i know what it is like to watch almost $600 or month going to debt funds. i'm calling as an educator because i heard the student loan situation is akin to the mortgage
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